This is a real gripe of mine, and I already mentioned it in my laundry list of game issues, but it really bugs me that when I'm hit with a bullet that the second bullet and third bullet, hitting the same area of my body, add accumulative damage, and eventually take me down as if I wasn't wearing armor at all.
It really want armor to absorb the full damage of any number of bullets. I don't care if several bullets hit me all over the place and I die, but spectating other players who have partial damage I see so many players get smacked square in the chest armor and killed when that armor should have protected them.
Because otherwise Insurgency armor is as real or fake as Counter Strike armor in all versions of CS, or any shooter that has body armor. It really bugs me that my armor or anybody else's armor doesn't work like it's supposed to. I get that body armor is not a "force field", but it's like if I'm wearing the stuff, and a bullet hits my armor and I get killed because of a previous bullet strike, then there's no point in wearing armor at all. In fact it ought to be removed from the game altogether unless it's reworked.
In counter strike I'll last a few split seconds longer. In some of the battlefield games it actually does help you survive. In lesser known military shooters it's kind of hit or miss, but on average their armor works like CS armor.
If you do nothing else for this game, then please make real body armor with real effects and that can actually save your life, as opposed to just taking away some damage.